Skip to main content. Skip to contact links. Skip to navigation. If you wish for the loan officer to reach out to you, click to skip to their contact form. If you have questions for this loan officer, click to call them. If you need loan servicing, click to call our loan servicing department at 855-979-1084 Skip to footer navigation.
Justin Kozera

Justin Kozera

Market Leader
Movement Mortgage
NMLS ID # 1446275

REFINANCE CALCULATOR

Use Our Refinance Calculator to Unlock Your Mortgage Savings

Thinking about refinancing your mortgage? Our Refinance Calculator helps you estimate potential savings, lower monthly payments, and determine if refinancing is the right move for you. Simply enter your loan details, compare options, and get a personalized assessment of your refinancing potential.


Carl H, HOMEBUYER

"Guys didn't play around u was on it got it done best team I could ask"

Jun 23, 2025

John R, HOMEBUYER

"went smooth couldn't have been better way of doing business. Thanks for everything."

Jun 16, 2025

Karyn M, HOMEBUYER

"Step by step support for this first time single homebuyer. Seamless and prompt communication. A team that conveys both care and expertise, from every single person that touched my mortgage. Availability beyond compare. The electronic documentation system and online signing system worked perfectly. Kind reminders. I never felt like I was a bother, too ignorant, uninformed, or unimportant. Attention to details that I know are so important. I never felt hounded when additional information was required. Worked seamlessly with my realtor, a complimentary professional and yet personal relationship. Can't say enough good stuff!"

Jun 11, 2025
Justin Kozera
Justin Kozera
Market Leader
Ready to learn more or get started? Complete the form and let’s connect.
69-R W Main St, Westminster, MD 21157
(opens in a new tab)
NMLS # 1446275

State License #DE-MLO-1446275, FL-LO60579, MD-1446275, VA-MLO-31354VA, PA-63595